Century Review
NCR-registered short-term lender trading as CreditZA.
Visit Century
Century
NCR Reg: NCRCP20790
Loan Amount
R500 – R8,000
Loan Term
5 – 180 days
Rate
From 0.1% per day
Type
Direct Lender
About Century
Century Financial Services — which trades under the name CreditZA at creditza.co.za — offers short-term loans from R500 to R8,000, over terms from 5 to 180 days, at a rate it states as "from 0.1%." That amount range sits squarely inside the National Credit Act's short-term credit transaction definition, meaning Century's qualifying loans are subject to the Act's 5%-per-month interest cap.
Century is one of five lenders on our panel with a published South African NCR registration number: NCRCP20790, held by Century Financial Services (PTY) LTD, company registration number 2023/140135/07, based in Durbanville, Cape Town. You can verify this registration directly at ncr.org.za.
Bottom line: Century is a solid default choice if a verifiable South African NCR registration matters to you as much as the loan terms themselves. Its amount range and term flexibility (up to 180 days) also make it one of the more adaptable direct lenders on our panel, suited to both a small short-term need and a somewhat longer repayment plan.
Pros and things to check
Strengths
- Published NCR registration number (NCRCP20790) you can independently verify.
- Term range up to 180 days gives more repayment flexibility than several shorter-term lenders on our panel.
Worth checking before you apply
- The 0.1% rate is stated as a starting point ("from"), not a fixed figure — the rate you're quoted may be higher depending on your application.
- Century's own description doesn't spell out its full income or documentation requirements beyond citizenship, age, and ID.
Eligibility
Century states its requirements as: South African citizenship, an age between 18 and 70, and a valid identity document.
How Century compares on our panel
Century is one of 8 direct lenders on our panel of 14 (6 others operate as loan-matching or aggregation services). It's one of 5 lenders with a published South African NCR registration number — the other 9 don't state one in their published information.
By maximum loan amount (R500 – R8,000), Century ranks 6 of 11 lenders with a published range — roughly in the middle of what our panel offers.
See how Century fits alongside relevant loan types: Small Loans, Payday Loans, Short-Term Loans, Bad Credit Loans, Compare All Lenders.
Alternatives to Century on our panel
If Century doesn't turn out to be the right fit, here are 3 other direct lenders on our panel worth comparing:
- Creditbar — R500 – R5,000, 7 – 45 days, From 0.178% per day (approx. 65% per year).
- Crediwise — R500 – R4,000, 5 – 35 days, Commission varies by amount and term.
- Jabulani Money — R500 – R4,000, Payday (repayable on your next salary date), Not published — confirm on application.
Questions worth asking Century before you sign
- What is the exact total amount I'll repay, in Rand, including interest and all fees — not just the interest rate?
- Can you confirm your NCR registration number is still NCRCP20790 and active?
- What happens if I repay early, or if I miss a payment — are there early settlement discounts or specific default charges?
- Is the pre-agreement quotation you've given me valid for the full 5 business days required by law, and does it match what I'm asked to sign?
A registered credit provider should be able to answer all four clearly and in writing. Hesitation, evasiveness, or pressure to sign immediately without a proper quotation is worth treating as a warning sign, regardless of which lender you're speaking to.
How this review was put together
Every figure on this page — loan amount, term, rate, and registration details — comes directly from Century's own published information, not from an independent test application or a customer review survey. We don't hold star ratings or review counts for any lender, so we haven't published any here, and we don't accept payment from lenders to change what's written about them. For the most current terms, visit Century directly using the link on this page, since a lender's own rates and criteria can change after this page was last reviewed.
Century — frequently asked questions
Is Century the same company as CreditZA?
Yes — Century Financial Services trades under the name CreditZA, and its site is at creditza.co.za. We use "Century" for consistency with its registered company name.
What's Century's NCR registration number?
NCRCP20790, held by Century Financial Services (PTY) LTD, company registration number 2023/140135/07. You can verify this at ncr.org.za.
What loan amounts does Century offer?
R500 to R8,000, over terms of 5 to 180 days, at a rate starting from 0.1% (basis not further specified in Century's own published information).